Dividend Vision Model Portfolios
High Income Index Beater
Eight funds paying a blended distribution rate of about 8.4% that beat SPY over three years with smaller swings. Picked by a fixed rule: among income ETFs paying 6%+ with a Distribution Safety Score™ of 70+, the eight best total returns from Nov 2023 to Nov 2025 with volatility under 22% and no drawdown deeper than 25%, equal-weighted. In the year after, which the rule never saw, it roughly matched SPY (+10.6% vs +11.6%). Past results are not a promise.
Updated Nov 5, 2026
Holdings
Rates, payout schedules and scores are refreshed from our data on every site update. Open a fund for its full analysis.
| Ticker | Fund | Weight | Dist. rate | Pays | Distribution Safety Score™ | Expense |
|---|---|---|---|---|---|---|
| OVL | Overlay Shares Large Cap Equity ETF | 12.5% | 10.57% | Monthly | 92 Safe | 0.79% |
| SEPQ | STF Tactical Growth & Income ETF | 12.5% | 12.39% | Monthly | 90 Safe | 0.65% |
| QQQH | NEOS Nasdaq-100 Hedged Equity Income ETF | 12.5% | 9.22% | Monthly | 75 Generally safe | 0.68% |
| TDVI | FT Vest Technology Dividend Target Income ETF | 12.5% | 7.69% | Monthly | 90 Safe | 0.75% |
| FGD | First Trust Dow Jones Global Select Dividend Index Fund | 12.5% | 7.47% | Quarterly | 88 Safe | 0.55% |
| IGLD | FT Vest Gold Strategy Target Income ETF® | 12.5% | 6.99% | Monthly | 91 Safe | 0.85% |
| IDVO | Amplify CWP International Enhanced Dividend Income ETF | 12.5% | 6.07% | Monthly | 90 Safe | 0.65% |
| EUFN | iShares MSCI Europe Financials ETF | 12.5% | 5.71% | Twice a year | 79 Generally safe | 0.49% |
Portfolio Distribution Safety Score™
Weighted by each fund's share of the projected income. No income comes from funds scoring under 60. The ring shows how the income splits across score bands.
Why these picks
- OVL
S&P 500 with an income overlay; +66.4% in the selection window. Put-selling overlay on large cap equity exposure via VOO (Vanguard S&P 500 ETF) to generate additional income. Distribution Safety Score™ 92 (Safe); pays about 10.8% monthly; 0.79% expense ratio; $512M in assets.
- SEPQ
Growth with a defensive switch; +62.7% in the selection window. Seeks long-term capital appreciation and income by tactically allocating between U.S. large-cap equity exposure and short-term Treasuries based on a proprietary trend-following model. Distribution Safety Score 90 (Safe); pays about 12.6% monthly; payouts up 7% over the past year; 0.65% expense ratio; $90M in assets.
- QQQH
Nasdaq-100 income with a hedge; +59.8% in the selection window and the smallest swings of the Nasdaq picks. Seeks high monthly income in a tax efficient manner with a measure of downside protection. Distribution Safety Score 73 (Generally safe); pays about 9.3% monthly; payouts up 2% over the past year; 0.68% expense ratio; $364M in assets.
- TDVI
Tech dividends; +75.4% in the selection window. Actively managed fund seeking a target level of current income and capital appreciation by holding dividend-paying U.S. technology companies. Distribution Safety Score 90 (Safe); pays about 7.8% monthly; payouts up 14% over the past year; 0.75% expense ratio; $660M in assets.
- FGD
Global dividend stocks; +56.7% in the selection window and the best of the eight in the hold-out year (+21.7%). First Trust Dow Jones Global Select Dividend Index Fund. Distribution Safety Score 88 (Safe); pays about 7.7% quarterly; payouts up 22% over the past year; 0.55% expense ratio; $1.6B in assets.
- IGLD
The diversifier; +71.0% in the selection window, though it fell 4.7% in the hold-out year as gold cooled. Seeks to provide investors with current income and gains from the price of gold. Distribution Safety Score 87 (Safe); pays about 7.2% monthly; 0.85% expense ratio; $554M in assets.
- IDVO
International dividends with covered calls; +56.9% in the selection window. Seeks to provide income from international dividend-paying stocks through ADRs and by opportunistically writing covered calls on those securities. Distribution Safety Score 90 (Safe); pays about 6.2% monthly; payouts up 25% over the past year; 0.65% expense ratio; $1.4B in assets.
- EUFN
European banks and insurers; +97.5% in the selection window, the strongest of the eight. iShares MSCI Europe Financials ETF. Distribution Safety Score 79 (Generally safe); pays about 6.0% twice a year; payouts up 29% over the past year; 0.49% expense ratio; $2.9B in assets.
Reasons written Nov 4, 2026; the holdings table above shows today's figures.
Backtest
+82.4% total return since Aug 2023 (20.5% a year)
| Series | Total return | Per year | Last 12 mo | Max drawdown | Volatility |
|---|---|---|---|---|---|
| High Income Index Beater | +82.4% | 20.5% | +10.6% | −13.7% | 13.6% |
| SPY | +76.0% | 19.2% | +11.6% | −18.8% | 15.1% |
| SCHD | +61.5% | 16.0% | +39.0% | −16.1% | 13.1% |
Aug 10, 2023 to Nov 3, 2026. Buy-and-hold at the listed weights, distributions reinvested (adjusted close). Past performance does not guarantee future results.
Frequently asked questions
How was the High Income Index Beater backtest calculated?
It holds the listed weights from Aug 10, 2023 to Nov 3, 2026 without rebalancing and reinvests every distribution, using split- and distribution-adjusted prices. Benchmarks are measured the same way. Past performance does not guarantee future results.
What is this portfolio's Distribution Safety Score?
87 out of 100 (Safe). It averages each fund's Distribution Safety Score, weighted by its share of the portfolio's projected income. It is a rules-based estimate of how dependable the payouts are, not a guarantee.
How much income does High Income Index Beater pay?
The holdings' current distribution rates blend to about 8.3% a year at the listed weights. Distribution rates change as funds raise, cut or vary their payouts.
Is this investment advice?
No. Model portfolios are examples for research and education. They are not recommendations to buy or sell any security, and you are responsible for your own decisions.
More model portfolios
Disclaimer: Model portfolios are illustrative examples for research and education, not investment advice or a recommendation to buy or sell any security. Distribution rates and scores change. Backtests are hypothetical, assume distributions are reinvested and ignore taxes and trading costs. Investing involves risk, including loss of principal.